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Great Southern Bancorp (GSBC)
NASDAQ:GSBC
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Great Southern Bancorp
(NASDAQ:GSBC)
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Rating:68Neutral
Price Target:
$72.00
â–²(14.58% Upside)
Great Southern Bancorp's overall stock score is driven by its stable financial performance and attractive valuation. The technical analysis suggests bullish momentum, though overbought signals indicate caution. The company's consistent dividend policy and strong earnings report further support its position in the regional banking sector.
Positive Factors
Dividend Consistency
Consistent dividends reflect a stable financial position and commitment to shareholder returns, enhancing investor confidence over the long term.
Strong Earnings
Rising earnings indicate effective cost management and operational efficiency, supporting sustainable profitability and long-term growth.
Asset Quality
Improved asset quality reduces risk and enhances financial stability, ensuring better resilience against economic downturns.
Negative Factors
Declining Revenue Growth
Decreasing revenue growth may indicate challenges in market expansion or competitive pressures, potentially impacting future earnings.
Increased Debt Levels
Rising debt levels could strain financial flexibility and increase interest obligations, affecting long-term financial health.
Declining Free Cash Flow Growth
Reduced cash flow growth may limit the company's ability to invest in growth opportunities and meet financial obligations.
Great Southern Bancorp (GSBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$703.13M
Dividend Yield2.48%
Average Volume (3M)38.85K
Price to Earnings (P/E)10.4
Beta (1Y)0.67
Revenue Growth0.67%
EPS Growth17.88%
CountryUS
Employees882
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.56
Shares Outstanding11,189,262
10 Day Avg. Volume44,382
30 Day Avg. Volume38,848
Financial Highlights & Ratios
PEG Ratio-1.72
Price to Book (P/B)1.16
Price to Sales (P/S)1.97
P/FCF Ratio17.84
Enterprise Value/Market Cap1.55
Enterprise Value/Revenue3.10
Enterprise Value/Gross Profit4.77
Enterprise Value/Ebitda11.56
Forecast
1Y Price Target
$61.00Price Target Upside-2.93% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Great Southern Bancorp Business Overview & Revenue Model
Company DescriptionGreat Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, construction loans, commercial business loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, including automobile loans, boat loans, home equity loans, loans secured by savings deposits. It also provides insurance and merchant banking services. As of December 31, 2021, the company operated 93 retail banking centers and approximately 200 automated teller machines in Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas; and six commercial and one mortgage loan production offices in Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix and Tulsa, Oklahoma, Springfield, and Missouri. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.
How the Company Makes MoneyGreat Southern Bancorp generates revenue primarily through interest income from its loan portfolio, which includes residential mortgages, commercial loans, and consumer loans. Additionally, the bank earns income from fees associated with deposit accounts, transaction services, and other banking services. A significant portion of its revenue also comes from investment securities. The company's revenue model is supported by its ability to attract deposits at competitive rates, allowing it to fund its lending activities. Partnerships with local businesses and communities further enhance its customer base, driving growth in both lending and deposit services.
Great Southern Bancorp Earnings Call Summary
Earnings Call Date:Jul 16, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Jan 26, 2026
Earnings Call Sentiment Positive
The earnings call reflects a positive sentiment overall, with improved net income, a strong net interest margin, solid asset quality, effective expense management, and a robust capital position. However, challenges include a contraction in the loan portfolio, a decrease in total deposits, and a decline in noninterest income.Q2-2025 Updates
Positive Updates
Improved Net Income
Net income for the quarter was $19.8 million or $1.72 per common share, up from $17 million and $1.45 per share in the same quarter a year ago, driven by higher net interest income and unusually large tax credit partnership income.
Increase in Net Interest Margin
The annualized net interest margin improved to 3.68%, which is 25 basis points above the level from a year ago and 11 basis points higher than the first quarter of 2025.
Strong Asset Quality
Nonperforming assets were $8.1 million, representing 0.14% of total assets, a $1.5 million decrease from March 31, 2025, with no provision for credit losses on outstanding loans in the second quarter.
Effective Expense Management
Noninterest expenses for the second quarter of 2025 were $35 million, down $1.4 million from the $36.4 million in the year ago quarter, despite continued investments in infrastructure and personnel.
Strong Capital Position
Total stockholders' equity increased to $622.4 million, representing 10.6% of total assets, with a book value of $54.61 per common share.
Negative Updates
Loan Portfolio Contraction
Gross loans totaled $4.6 billion, a decline of $157 million or 3.3% from the $4.76 billion at the end of the year, partially due to large loan payoffs.
Decrease in Total Deposits
Total deposits decreased by $73.9 million or 1.6% from the end of the first quarter of 2025 to $4.68 billion, mainly due to a $62.1 million reduction in broker deposits.
Decline in Noninterest Income
Noninterest income for the quarter totaled $8.2 million, a decrease of $1.6 million or 16.5% compared to the second quarter last year, impacted by unusual items in both 2024 and 2025.
Company Guidance
During the second quarter of 2025, Great Southern Bancorp, Inc. reported solid financial performance with net income rising to $19.8 million, translating to $1.72 per common share, compared to $17 million or $1.45 per share in the same quarter of the previous year. The improvement was attributed to higher net interest income, which climbed to $51 million, marking an 8.9% increase from $46.8 million a year ago, driven by stable loan and investment yields and reduced funding costs. The annualized net interest margin improved to 3.68%, rising 25 basis points year-over-year. Additionally, nonperforming assets decreased to $8.1 million, representing 0.14% of total assets, a $1.5 million decrease from the previous quarter, underscoring the company's strong credit quality. Despite a challenging operating environment, the bank maintained robust expense management, with noninterest expenses decreasing to $35 million from $36.4 million in the prior year quarter. The efficiency ratio improved to 59.16%, reflecting disciplined cost control. Total deposits saw a reduction of $73.9 million from the first quarter of 2025, primarily due to a decline in broker deposits, while total assets stood at $5.85 billion at the end of the quarter. The bank emphasized a commitment to prudent risk management and maintaining strong capital levels, with stockholders' equity increasing to $622.4 million, representing 10.6% of total assets.Great Southern Bancorp Financial Statement Overview
Summary
Great Southern Bancorp demonstrates strong profitability and efficient operations, with healthy margins and effective equity utilization. However, recent negative revenue and free cash flow growth rates highlight potential challenges in sustaining growth. The balance sheet remains stable with manageable leverage, but increased debt reliance could pose future risks.Income Statement
Great Southern Bancorp shows strong profitability with a consistent gross profit margin above 60% and a net profit margin around 19% in the TTM. However, the revenue growth rate has turned negative recently, indicating potential challenges in revenue generation. Despite this, the EBIT and EBITDA margins remain healthy, reflecting efficient operations.75
Positive
Balance Sheet
The company maintains a moderate debt-to-equity ratio of 0.72 in the TTM, suggesting manageable leverage. Return on equity is solid at 11.17%, indicating effective use of equity to generate profits. However, the equity ratio has slightly decreased, which could imply increased reliance on debt financing.70
Positive
Cash Flow
Operating cash flow to net income ratio is stable, but free cash flow growth has been negative, indicating potential cash flow challenges. The free cash flow to net income ratio remains high, suggesting good cash generation relative to net income, but the declining trend in free cash flow growth is a concern.65
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 351.68M | 355.26M | 326.91M | 261.12M | 236.99M | 252.75M |
| Gross Profit | 228.57M | 216.99M | 226.37M | 227.57M | 222.00M | 196.32M |
| EBITDA | 94.30M | 84.45M | 94.66M | 103.88M | 105.50M | 85.17M |
| Net Income | 69.62M | 61.81M | 67.80M | 75.95M | 74.63M | 59.31M |
Balance Sheet | ||||||
| Total Assets | 5.74B | 5.98B | 5.81B | 5.68B | 5.45B | 5.53B |
| Cash, Cash Equivalents and Short-Term Investments | 673.84M | 195.76M | 689.54M | 659.11M | 1.22B | 978.66M |
| Total Debt | 494.36M | 166.34M | 172.81M | 277.98M | 238.32M | 339.86M |
| Total Liabilities | 5.10B | 5.38B | 5.24B | 5.15B | 4.83B | 4.90B |
| Stockholders Equity | 632.93M | 599.57M | 571.83M | 533.09M | 616.75M | 629.74M |
Cash Flow | ||||||
| Free Cash Flow | 60.18M | 39.14M | 73.40M | 46.47M | 79.24M | 37.70M |
| Operating Cash Flow | 69.68M | 44.06M | 80.70M | 66.58M | 84.98M | 46.05M |
| Investing Cash Flow | 255.70M | -175.39M | -88.21M | -801.28M | 190.71M | -131.35M |
| Financing Cash Flow | -337.51M | 115.75M | 50.32M | 185.95M | -122.15M | 428.87M |
Great Southern Bancorp Technical Analysis
Positive
62.84
Price Trends
59.79
Positive
60.43
Positive
58.33
Positive
Market Momentum
1.25
Positive
52.28
Neutral
14.93
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GSBC, the sentiment is Positive. The current price of 62.84 is below the 20-day moving average (MA) of 63.22, above the 50-day MA of 59.79, and above the 200-day MA of 58.33, indicating a neutral trend. The MACD of 1.25 indicates Positive momentum. The RSI at 52.28 is Neutral, neither overbought nor oversold. The STOCH value of 14.93 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GSBC.
Great Southern Bancorp Risk Analysis
Great Southern Bancorp disclosed 34 risk factors in its most recent earnings report. Great Southern Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Great Southern Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $783.97M | 13.62 | 13.95% | 2.18% | 22.24% | 18.63% | |
79 Outperform | $731.37M | 13.03 | 7.31% | 2.58% | 12.09% | -15.97% | |
78 Outperform | $789.47M | 14.29 | 8.35% | 3.48% | 5.75% | 20.52% | |
76 Outperform | $759.51M | 12.06 | 10.88% | 1.12% | 0.21% | 14.54% | |
76 Outperform | $794.88M | 10.37 | 10.39% | 2.12% | 17.99% | 11.08% | |
68 Neutral | $703.13M | 10.45 | 11.18% | 2.48% | 0.67% | 17.88% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
GSBC
Great Southern Bancorp
62.84
4.45
7.62%
MPB
Mid Penn Bancorp
31.71
3.61
12.85%
TRST
TrustCo Bank
42.57
10.50
32.74%
HTB
Hometrust Bancshares
43.40
9.97
29.82%
BFST
Business First Bancshares
26.72
1.58
6.28%
FSBC
Five Star
36.53
7.13
24.25%
Great Southern Bancorp Corporate Events
Dividends
Great Southern Bancorp Declares Fourth Quarter Dividend
Positive
Dec 17, 2025
Great Southern Bancorp, Inc., the holding company for Great Southern Bank, declared a $0.43 per common share dividend on December 17, 2025, for the fourth quarter of the year, marking the company’s 144th consecutive quarterly dividend. The dividend, payable on January 13, 2026, reflects the company’s consistent commitment to shareholder returns and its stable financial position in the banking sector.
Financial Disclosures
Great Southern Bancorp Reports Strong Q3 2025 Earnings
Positive
Oct 16, 2025
Great Southern Bancorp, Inc. reported preliminary third-quarter 2025 earnings of $1.56 per diluted common share, showing an increase from $1.41 in the same period last year. The company’s net interest income rose to $50.8 million, driven by lower interest expenses, while non-performing assets decreased significantly, reflecting strong asset quality. Despite economic pressures, the company maintained a solid capital position with a Tier 1 Leverage Ratio of 11.9% and continued to manage expenses carefully, focusing on long-term profitability and shareholder value.
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.